Website Usage Terms & Conditions

Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern NACM's relationship with you in relation to this website.

The term "NACM" or "us" or "we" refers to the owner of the website whose registered office is 8840 Columbia 100 Parkway, Columbia, MD 21045. The term "you" refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

You may not create a link to this website from another website or document without NACM's prior written consent.

Your use of this website and any dispute arising out of such use of the website is subject to the laws of the United States of America.

Privacy Policy

What information do we collect? We collect information from you when you place an order, respond to a survey, fill out a form or subscribe to our blog.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, email address, mailing address, phone number or credit card information. You may, however, visit our site anonymously.

What do we use your information for? Any of the information we collect from you may be used in one of the following ways:

• To improve our websiteWe continually strive to improve our website offerings based on the information and feedback we receive from you.

• To improve customer serviceYour information helps us to more effectively respond to your customer service requests and support needs.

• To process transactionsYour information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.

• To administer a contest, promotion, survey or other site feature

• To send periodic emailsThe email address you provide for order processing, will only be used to send you information and updates pertaining to your order. If you decide to opt-in to our mailing list, you will receive emails that may include company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you place an order or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our payment gateway provider’s database only to be accessible by those authorized with special access rights to such systems, and who are required to keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

Do we use cookies? Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.

We use cookies to understand and save your preferences for future visits.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders over the telephone.

Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third Party Links Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act ComplianceBecause we value your privacy, we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

As part of the California Online Privacy Protection Act, all users of our site may make any changes to their information at anytime by logging into their control panel.

Childrens Online Privacy Protection Act Compliance We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act). We do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent By using our site, you consent to our online privacy policy.

Changes to Our Privacy Policy If we decide to change our privacy policy, we will post those changes on this page.

This policy was last modified on 7/1/2010

Contacting Us If there are any questions regarding this privacy policy, you may contact us using the information below.

Advertise with NACM

NACM: Reaching Today's Business Credit Professionals

NACM, the National Association of Credit Management, is the voice of "business credit" in America. NACM's members, nearly 16,000 strong, represent a wide variety of businesses from Fortune 500s to small companies. As the grantors of business credit, our members make daily business credit decisions. The decisions they make play an integral role in the U.S. economy. The business credit executive — the NACM member — is an essential player in the free enterprise system.

NACM, through a variety of publications and its web site, reaches more than 35,000 business credit professionals. NACM Membership has grown from 600 at the end of 1896 to almost 16,000 today, making the National Association of Credit Management one of the oldest and largest business organizations in the United States.

NACM's advertising opportunities include:

Business Credit Magazine

Business Credit magazine is the official publication of NACM-National. As one of the most important NACM member benefits, Business Credit keeps members and subscribers up-to-date and informed on the credit issues that affect the way business is conducted. Whether it's coverage on the latest news about bankruptcy, credit policy, business ethics, accounts receivable measurement techniques, lien law, international topics or new resources in technology, Business Credit keeps its readers on the cutting edge of trends, news and important legislative issues. Business Credit magazine is published 9 times each year, with combined issues in July/August, September/October and November/December.

eNews Weekly Update

The NACM eNews Weekly Update is distributed on Thursdays to over 40,000 members and subscribers. ENews provides timely news briefs to the credit and financial community as well as updated event information. More than two advertisers may advertise in each issue; however, they are listed on a first-come, first-served basis.

NACM's Credit Congress & Annual Exposition

Each year, NACM sponsors an Exposition, held in conjunction with its annual convention, the Credit Congress. The NACM Credit Congress & Exposition attracts more than 2,500 credit professionals from across the nation. The program is designed to be educational and brings NACM members up-to-date on the best resources and latest technology available.

The NACM Exposition is…

an opportunity to meet with credit and financial members — the executives who purchase your products. These decision makers automate company accounts receivable systems, track and research business credit, purchase receivables insurance, use banking services and pursue collections.

Disclaimer Policy

Information in this publication is as correct as possible at press time but is subject to change. Reproduction in whole or part of any text, photographs, or illustrations without prior written consent by NACM is prohibited. Reprints of 1,000 copies or more may be obtained by calling 410-740-5560, ext. 1042.

SPECIAL NOTE The National Association of Credit Management (NACM) reserves the right to refuse any advertising or request for any web link, mutual or otherwise. NACM further reserves the right to terminate any advertising found to be contrary to the goals and purposes of this organization after advertising privileges have been granted. Decisions to accept, deny, or revoke advertising applications are made solely by officers of NACM. All decisions are final.

DISCLAIMER Articles and advertisements that appear in Business Credit do not constitute an endorsement by NACM of any business, organization, service or product and do not constitute legal advice. NACM assumes no liability whatsoever for the honesty, integrity or validity of any of the advertisers in Business Credit or on the NACM web site, or the product and/or service they promote. All information concerning the products or services advertised in Business Credit or on the NACM web site is provided by the dealer, owner, or agent of the business. NACM and its affiliates are not liable for misinformation, typographical errors or misprints in the advertisements in Business Credit or on the NACM web site.

As always, wise and prudent decision-making judgments should be exercised when dealing with any business. NACM will never become involved in any dispute between an advertiser and a customer who found the advertiser in Business Credit magazine or on the NACM web site. A sponsor's mere advertising presence in the magazine or on the NACM web site should not be construed as any type of overt, implied or tacit approval of that sponsor by NACM or any NACM affiliates.

NACM does reserve the right to revoke advertising privileges and may indeed exercise this right if the need arises; however, NACM will never arbitrate, mediate or otherwise enter a dispute on behalf of either side of the disputing parties.

ADDITIONAL WEB DISCLAIMERS Use of the NACM web site and content of the site and content available on the site is at sole risk of the user. It is the responsibility of the user to evaluate the accuracy, completeness, and usefulness of any information obtained on or through this site. Users are responsible for taking the precautions necessary to ensure that any content they may obtain from this site is free of viruses.

LINKED INTERNET SITES The links in this web site will let the user leave NACM’s web site. The linked sites are not under the control of NACM, and NACM is not responsible for the content available on any other Internet sites linked to this web site. NACM provides these links as a convenience to users. The links that are included on the NACM web site do not imply a recommendation or endorsement by NACM of the linked sites, nor of the honesty, integrity or validity of any of the information or advertisers on those web sites or the product and/or services promoted on them.

National Website Advertising

Whether it's through an advertisement in the ad-window or a specialized link on the Useful Sites page, consider purchasing ad space on NACM's web site. NACM-National's web site boasts 30,000 hits each month and is continuing to grow! To learn more about advertising on NACM-National's web site, please contact Dan LaRusso

Web Usage Policy for NACM Logo and Copyrighted Materials

This policy document is to encourage the free exchange of information via the Internet while at the same time ensuring adequate protection for the NACM brand. The NACM brand consists of its logo, trademarks and copyrighted materials. Please note that articles that have appeared in Business Credit magazine are copyrighted.

E-News Update

The NACM E-News update comes out weekly and is distributed Tuesdays to over 25,000 members and subscribers. Advertising in the NACM E-News is limited to a length of about one paragraph. More than one advertiser may advertise in E-News in each issue; however, they are listed on a first-come, first-served basis in the publication itself as well as on the e-mail header.